Whether it’s through credit cards, student loans, or your home mortgage, it’s pretty likely that you owe money to someone. How do you prioritize which debts you should pay off first? What can you do if you can’t afford your minimum payments? Here to offer some advice are our financial friends at NerdWallet.

A lot people would say you should pay your debts in order of interest rates, starting with the highest, and the popular “debt snowball” strategy suggests you start with your smallest debts and work your way up. But what if neither are viable and you’re struggling just to live hand to mouth? When is bankruptcy an option? Writers from financial advice NerdWallet are here to offer some guidance, so leave your question below.

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Update: This Q&A is now over. Thank you for your questions and to NerdWallet for their advice!

Have an expert you’d like to see participate? Email us. Image by JrCasas (Shutterstock).